Cadillac CTS-V Insurance Rates

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UPDATED: Mar 28, 2024

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Average insurance prices for a Cadillac CTS-V are $1,126 every 12 months including full coverage. Comprehensive insurance costs around $234, collision costs $354, and liability coverage costs $402. A policy with just liability insurance costs as little as $446 a year, with coverage for high-risk drivers costing $2,424 or more. Teens receive the highest rates at $4,270 a year or more.

Average premium for full coverage: $1,126

Rate estimates for individual coverage type:

Comprehensive $234
Collision $354
Liability $402

Full coverage includes $500 physical damage deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for different CTS-V trim levels.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range go from the cheapest price of $446 for just liability coverage to a much higher rate of $2,424 for high-risk insurance.

Liability Only $446
Full Coverage $1,126
High Risk $2,424

Price Range by Location

Your location has a large influence on the price of insurance. Areas with sparse population tend to have more infrequent comprehensive and collision claims than cities with more traffic congestion.

The price range example below illustrates how your location can change auto insurance rates.

Rural Areas $845
Small Cities $1,182
Large Cities $1,520

These examples highlight why anyone shopping for car insurance should compare rates for a specific zip code and their own driving history, rather than using averaged prices.

Use the form below to get customized rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Detailed Rate Analysis

The chart below breaks down estimated Cadillac CTS-V insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $662
  • Drivers who choose higher $1,000 deductibles will pay about $134 every year
  • The average price for a 40-year-old driver using $500 deductibles is $1,126
  • Selecting more expensive low deductibles for comprehensive and collision insurance costs an extra $256 each year
  • High-risk insureds with serious driving violations could pay at least $2,424 or more
  • The cost to insure a teenage driver with full coverage can be $4,270 a year

View Chart as Image

Cadillac CTS-V insurance cost comparison chart
Column chart showing full coverage Cadillac CTS-V insurance prices range from $662 to $4,270

Insurance rates for a Cadillac CTS-V can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles could save up to $390 a year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $362 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may only pay around $1,100 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay as much as $4,200 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying at least $1,300 to $1,900 additional per year, depending on your age. High-risk driver insurance can cost around 44% to 129% more than the average policy. View High Risk Driver Rates

Where you live makes a big difference in Cadillac CTS-V insurance rates. A 40-year-old driver could pay as low as $860 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,610 on average in Michigan, New York, and Louisiana.

Cadillac CTS-V Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,016 -$110 -9.8%
Alaska $862 -$264 -23.4%
Arizona $932 -$194 -17.2%
Arkansas $1,126 -$0 0.0%
California $1,282 $156 13.9%
Colorado $1,074 -$52 -4.6%
Connecticut $1,154 $28 2.5%
Delaware $1,272 $146 13.0%
Florida $1,406 $280 24.9%
Georgia $1,040 -$86 -7.6%
Hawaii $808 -$318 -28.2%
Idaho $762 -$364 -32.3%
Illinois $838 -$288 -25.6%
Indiana $848 -$278 -24.7%
Iowa $758 -$368 -32.7%
Kansas $1,068 -$58 -5.2%
Kentucky $1,534 $408 36.2%
Louisiana $1,666 $540 48.0%
Maine $694 -$432 -38.4%
Maryland $930 -$196 -17.4%
Massachusetts $898 -$228 -20.2%
Michigan $1,954 $828 73.5%
Minnesota $942 -$184 -16.3%
Mississippi $1,346 $220 19.5%
Missouri $998 -$128 -11.4%
Montana $1,208 $82 7.3%
Nebraska $884 -$242 -21.5%
Nevada $1,350 $224 19.9%
New Hampshire $810 -$316 -28.1%
New Jersey $1,258 $132 11.7%
New Mexico $994 -$132 -11.7%
New York $1,184 $58 5.2%
North Carolina $648 -$478 -42.5%
North Dakota $922 -$204 -18.1%
Ohio $776 -$350 -31.1%
Oklahoma $1,152 $26 2.3%
Oregon $1,030 -$96 -8.5%
Pennsylvania $1,072 -$54 -4.8%
Rhode Island $1,498 $372 33.0%
South Carolina $1,020 -$106 -9.4%
South Dakota $950 -$176 -15.6%
Tennessee $984 -$142 -12.6%
Texas $1,356 $230 20.4%
Utah $834 -$292 -25.9%
Vermont $768 -$358 -31.8%
Virginia $674 -$452 -40.1%
Washington $868 -$258 -22.9%
West Virginia $1,032 -$94 -8.3%
Wisconsin $776 -$350 -31.1%
Wyoming $1,000 -$126 -11.2%

View Chart as Image

Cadillac CTS-V insurance rates by U.S. city

With so much variability in rates, the best way to figure out your exact price is to compare rates and see how they stack up. Every company calculates rates differently, and rates can be significantly different.

Cadillac CTS-V Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2019 Cadillac CTS-V $358 $726 $376 $1,596
2017 Cadillac CTS-V $332 $634 $388 $1,490
2016 Cadillac CTS-V $318 $568 $390 $1,412
2014 Cadillac CTS-V $286 $490 $394 $1,306
2013 Cadillac CTS-V $280 $458 $402 $1,276
2012 Cadillac CTS-V $258 $424 $402 $1,220
2011 Cadillac CTS-V $252 $386 $406 $1,180
2010 Cadillac CTS-V $234 $354 $402 $1,126

Rates are averaged for all Cadillac CTS-V models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Shop for More Affordable Cadillac CTS-V Insurance

Saving money on auto insurance not only requires being a safe and courteous driver, but also having above-average credit, not filing small claims, and taking advantage of discounts. Invest the time to shop around every couple of years by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

Below is a summary of the material that was illustrated above.

  • Consumers who may need higher levels of liability will pay approximately $440 per year to go from a minimum limit to a 250/500 level
  • Teenage drivers are charged the highest rates, as much as $356 per month if full coverage is included
  • Drivers who have multiple accidents or major violations could be forced to pay on average $1,300 more every year for auto insurance
  • Increasing deductibles could save as much as $400 each year

Rates by Driver Age

Cadillac CTS-V Insurance Rates by Driver Age
Driver Age Premium
16 $4,270
20 $2,566
30 $1,164
40 $1,126
50 $1,028
60 $1,008

Full coverage, $500 deductibles

Rates by Deductible

Cadillac CTS-V Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,382
$250 $1,264
$500 $1,126
$1,000 $992

Full coverage, driver age 40

Rates by Liability Limit

Cadillac CTS-V Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,126
50/100 $1,206
100/300 $1,307
250/500 $1,568
100 CSL $1,247
300 CSL $1,468
500 CSL $1,629

Full coverage, driver age 40

Rates for High Risk Drivers

Cadillac CTS-V Insurance Rates for High Risk Drivers
Age Premium
16 $6,074
20 $4,088
30 $2,466
40 $2,424
50 $2,310
60 $2,290

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $154

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $59
Multi-vehicle $59
Homeowner $18
5-yr Accident Free $77
5-yr Claim Free $72
Paid in Full/EFT $47
Advance Quote $53
Online Quote $79
Total Discounts $464
Rate after discounts $662

Discounts are estimated and may not be available from every company or in every state.

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